| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORPORATION OF | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | AETNA LIFE INSURANCE COMPANY | $10K | $34K | $45K | 4.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH SUITE 1200 ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE COMPANY | $2K | $9K | $11K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BEN CORP OF GEORGIA | 3438 PEACHTREE ROAD NORTHEAST ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 33.66% |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 16.23% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $6K | 15.38% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS DALE CRUMB AND VARIOUS AGENT | 521 CAMELOT DRIVE LIBERTY, MO 64068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $338 | $4K | 9.84% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 7.44% |
| DANA MARIE MOWATT3 | 23701 SOUTH WESTERN AVENUE #112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $182 | $2K | 4.56% |
| SHERI L MITCHELL INC3 | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $248 | $2K | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFITS CORPORATION O | 3438 PEACHTREE ROAD SUITE 1100 ATLANTA, GA 30326 | EYEMED VISION CARE | $742 | $0 | $742 | 8.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE | $139 | $0 | $139 | 1.58% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Dental | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Vision | EYEMED VISION CARE | 170 | $9K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 273 | $911K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 273 | $948K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.